1. The customer directly sends the claim data to the broker, who then submits it to the insurance company.

2. Customers can directly contact the customer service of the insurance company and send the claim data to the insurance company or through APP Upload claim data

The claim materials required for different types of insurance are different. The necessary materials include insurance contract certificate, claim application form, and a copy of the applicant's valid ID card.

In addition, relevant insurance accident proof materials are required:

(The materials required for claims by each insurance company may also vary slightly, and the following are for reference only)

• Part A of the medical insurance compensation application form must be correctly filled out by the insured

• Part B of the medical insurance compensation application form must be correctly filled out by the insured's attending physician

• Medical receipts

• Inspection reports (if applicable), such as surgical reports, laboratory reports, computer scans, image reports

• Other supplementary documents, such as compensation budgets/compensation details from other insurance companies (if you have applied for compensation from other insurance companies)

The small surgeries performed at the hospital's day surgery center are covered by voluntary medical insurance, and the daytime surgery fees that can be claimed include operating room fees, prescription drugs taken during the surgery, etc.

Reference example: During the colonoscopy examination, the insured was found to have 2 lumps of flesh, requiring excision surgery and pathological examination. Colonoscopy examination and excision surgery are both simple surgeries, so they can be completed on the same day at day surgery centers or clinics with rehabilitation facilities. Pathological examination is also within the scope of claims, so preoperative examination, surgery, and postoperative examination are included. The entire surgical process of the patient can be carried out under the protection of voluntary medical insurance. (The above examples are hypothetical and for illustrative purposes only. For details and definitions of this coverage, please refer to the policy terms of the relevant voluntary medical insurance products.)

Most insurance companies require customers to submit their claims and related documents within 90 days from the day of the accident, patient undergoing day surgery/discharge, or insured person's death.

If the customer submits a claim application after 90 days, additional reasons need to be provided for the insurance company to consider.